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Insurance Services Office (ISO) <br />Insurance Services Office (ISO) community fire protection ratings have been a benchmark for <br />jurisdictions for decades. The system measures the effectiveness and efficiency of three key parts of <br />community fire protection; fire department, water distribution, and alarm notification system. However <br />there are two key limitations of this benchmark. First is that the evaluation is only used by some <br />insurance companies, with most large insurers doing their own risk assessment by individual occupancy. <br />Second is the fact that residential insurance rates for participating insurers are banded for class #2 through <br />class #8 communities. This means that the premium for insurance to homeowners is the same for these <br />communities. The only occupancy type which has separate rates for each class number ( #) is commercial <br />occupancies where the needed fire flow is below 3,500 gallons per minute (gpm) for suppression. The <br />bottom line is that ISO ratings are a good benchmark for suppression activities of a community but do not <br />evaluate the key areas of prevention, code enforcement, and planning and zoning which are the proactive <br />functions of community fire defense planning. <br />When determining how to staff, equip and support a fire department the City does have options. At the <br />same time, it is important for the City Council to fully understand what the standards and benchmarks are <br />for this business. It is fair to anticipate and expect that the residents and businesses who are receiving the <br />CFD's services today will want, at minimal, the same level of service from the City. <br />Lino Lakes Fire Department Equipment Needs <br />Pursuant to NFPA #1720 and Fire Protection Handbook, apparatus needs for the new Depaihuent <br />(including Station #2 and the proposed Birch Street station) would include: <br />• 2 engines — 1,500 gpm with 500 gallon water <br />• 1 Aerial ladder — 100 foot <br />• 2 tankers — 2,000 gallon with onboard pump <br />• 2 light rescue vehicles <br />• 2 grass/brush attack units <br />• 1 boat with rescue capability <br />• 1 ATV with rescue capability <br />Some of this apparatus could come from liquidation of current CFD resources, but there will also be some <br />which must be purchased. The cost for this apparatus purchasing could range from $1.5 million to over <br />$3 million. Additionally, there will be personal protective equipment to buy; turnout gear currently costs <br />about $2,500 per set, Self- Contained Breathing Apparatus (SCBA) are at least $3,000 per unit, and <br />uniforms, pagers, etc. will have to be provided to all personnel. The total cost for this personal equipment <br />could range from $4,000 to $6,000 per firefighter; again, some of this will come from the distribution of <br />the CFD assets and equipment. <br />Preliminary Cost Assessment <br />Startup costs for a new fire department in Lino Lakes would consist of the capital costs for construction of <br />the new station and purchase of apparatus, in addition to the costs of recruiting, training, and outfitting <br />new personnel. Assuming that the city builds a 7,100 square foot facility at an average cost of $195 per <br />square foot and soft costs of 25 %, the total construction cost would be approximately $1.73 million. <br />Lino Lakes, Minnesota — Fire Department Analysis Page 29 <br />